Mesothelioma is a form of cancer which occurs in thin membranes (called the mesothelium) lining the chest, lungs, abdomen and sometimes the heart. Although quite rare, mesothelioma symptoms strike more than 200 people each year in the United States. The majority of mesothelioma cases are directly linked to asbestos exposure.
Because of the long latency period of mesothelioma, the average age of patients is between 50 and 70 years. Mesothelioma affects men most due to the high exposure of asbestos in industrial typed jobs. Mesothelioma symptoms include respiratory problems, shortness of breath, continual cough and pneumonia. Other mesothelioma symptoms include weight loss, abdominal problems and swelling. In some mesothelioma patients, the mesothelioma symptoms are quite muted, making it hard for mesothelioma doctors to diagnose.
Mesothelioma doctors specialize in the study, research, and treatments of Mesothelioma cancers.
Mesothelioma (or the cancer of the mesothelium) is a disease in which cells become abnormal and replicate without control. During Mesothelioma, these cells will invade and damage tissues and organs. Mesothelioma cancer cells can spread throughout the body causing death.
Mesothelioma treatments and Mesothelioma clinical trials and tests
There are many mesothelioma treatment options available. Treatments include surgery, radiation therapy and chemotherapy and the mesothelioma treatment depends on the patient’s age, general health and stage of the cancer. There has been much mesothelioma research conducted throughout the past two years to find new treatment methods. Click here to read more about mesothelioma treatment techniques.
Through mesothelioma research, The National Cancer Institute has sponsored mesothelioma tests and clinical trials that are designed to find new treatment methods. Because of the increase in number of mesothelioma cases in the United States, both governments have increased funding for mesothelioma research. Mesothelioma research and clinical trials have been successful in developing new techniques to fight this cancer and the outlook for more advanced mesothelioma treatments is promising.
Surgery is the most common treatment method for malignant mesothelioma. Tissues and linings affected by mesothelioma are removed by the doctor and may include the lung or even diaphragm.
A second mesothelioma treatment method is radiation therapy through the use of high energy x-rays that kill the cancer cells. Radiation therapy can be outside or inside the body.
A third mesothelioma treatment method is chemotherapy. Through pills or drugs through needles, chemotherapy drugs are used to kill cancer cells.
A new mesothelioma treatment method is called intraoperative photodynamic therapy. In this treatment, light and drugs are used to kill cancer cells during surgery for early stages of mesothelioma in the chest. Although there are numerous treatments and drugs for mesothelioma, doctors are losing the battle against this deadly disease. Most mesothelioma treatments involve old techniques combined with different drug cocktails. However, in most cases, these mesothelioma treatments have many side effects including organ damage, nausea, increase in heart failure etc. The rush to find a more effective mesothelioma treatment or even cure is ongoing at numerous clinical labs across the nation. Let's hope that the mesothelioma treatments will one day erradicate mesothelioma cancer and asbestosis.
With an abundance of information on the Internet, Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com]) has consolidated the most important issues surrounding Mesothelioma, Mesothelioma doctors and symptoms, Mesothelioma treatment, Mesothelioma research and tests.
At [http://www.mesothelioma-cancer-and-asbestos.com], the website contains useful resources on Mesothelioma lawyers and attorneys, as well as causes by asbestos exposure, asbestos removal, asbestos attorneys and lawsuits, and asbestos cancer. Patients stricken by Mesothelioma and their families require support and current information. Mesothelioma Online Resources hopes to educate and give hope to survivors and victims.
Mesothelioma is such a harsh disease. Not only does it take years for symptoms to appear, but there are limited treatements and drugs that will prolong the lives of workers stricken with mesothelioma. In many cases, the death rate of mesothelioma is unfortunately very high. However, with increased funding in mesothelioma research through the government and private grants, the outlook for a mesothelioma cure is quite possible. In the meantime, mesothelioma support groups and local discussions provide the ongoing support for mesothelioma patients.
Mesothelioma Cancer and Asbestos ([http://www.mesothelioma-cancer-and-asbestos.com])is your source for mesothelioma and asbestos information, treatments, clinical trials, attorneys, support groups and lawyers.
About the website: Michael Kenneth is a successful Internet Publisher and has researched and written on many topics for [http://www.mesothelioma-cancer-and-asbestos.com] - your complete source for mesothelioma information, mesothelioma attorneys and lawyers, mesothelioma treatments and research, asbestos exposure and removal, asbestos attorneys and legislation as well as asbestos cancer.
In recent years the venerable annuity has made a comeback. The most recent incarnation of the annuity is the variable annuity; and they are heavily marketed by insurance agents. Because variable annuities earn an insurance agent a commission of 5% or more, they are marketed very aggressively. The fact that they are marketed aggressively though, does not necessarily make them a wise investment.
A typical variable annuity is a tax-deferred investment vehicle that is underwritten and sold by an insurance company. The primary selling point insurance agent's stress is that there can be no loss of principal in an annuity contract. For some, this is an attractive feature of this annuity. Because an annuity is an insurance product, growth inside the annuity is tax-deferred, as is the case in most insurance products. Further, variable annuities allow the customer to choose between a group of well-known mutual funds to fund the principal of the annuity. It all sounds pretty good, at first glance.
But there is a problem with these annuities; they charge truly exorbitant fees and expenses during the life of the annuity contract. As a matter of fact, I can recall no other investment which charges anywhere near the fees associated with variable annuities. According to Morningstar, the "industry average" variable annuity charges fees totaling 2.44% on an annual basis. This is truly an astounding figure. These are just the ongoing management fees for the annuity and the mutual funds. There are even more fees, as we will discover.
Most variable annuities have a declining surrender fee structure that is usually seven years, though it may be as short as five years and as long as 10 years. Each annuity is different in this respect, and it is important for the customer to carefully examine the surrender charge structure to make sure it is not excessively long. What this means is that should you decide to surrender the annuity in the first year you would be subject to a 7% penalty (on an annuity with a 7 year surrender charge schedule) on the funds you deposited plus any gain. Combined with the ongoing expenses I have already described, a dark cloud begins to settle upon the worthiness of a variable annuity. I should also add that there is a federal penalty of 10% plus normal tax on any withdrawals made from a these annuities before age 65. It is obvious that unless you are will going to hold on to your variable annuity until your retirement date, they make absolutely no sense.
But we're not done yet, most variable annuities charge an annual fee of somewhere around $35. This fee is collected from your account balance on a set date of each year. This is a rather unpleasant annual surprise.
Unlike most insurance contracts, when you die taxes do not go to the beneficiary on a tax-free basis. The beneficiary of the annuity will be forced to pay taxes on the gain accrued during the life of the annuity. This is in sharp contrast to benefits paid on a life insurance policy, which passed two the beneficiary on tax-free basis. From an estate planning point of view, variable annuities (or any annuity, for that matter) are a nightmare. They provide absolutely no estate planning advantages.
As you can see, it is difficult to give these annuities a whole-hearted recommendation. They were developed by insurance companies to entice potential clients into investing into an insurance product that looked and felt like a true equity, like a mutual fund, for instance. But a careful examination of the method in which these annuities function reveals they are nothing like a normal mutual fund. The variable annuity is loaded with expenses and fees, and this makes them very difficult for an unbiased financial planner to, in good faith, recommend them as a solid investment in any investment portfolio. Of course, the problem arises when the insurance companies attach a relatively high commission for the agent to sell these annuities. This puts the insurance agent into a precarious position, as he or she, like most people, are in business to make money and variable annuities are certainly a great way for insurance agent to make money. Of course, the problem arises when a customer examines the fees and charges inherent in these annuity contracts and realizes they are loaded with one of the highest fee structures of any investment he or she may consider buying. Add to that, the variable annuity compounds the estate planning problems by offering absolutely no tax benefits when it comes to estate settlement.
In summary, it's awfully difficult to become very excited about this fee-bloated insurance product. It would be difficult for me to imagine an appropriate client to purchase a variable annuity.
Article Source: http://EzineArticles.com/4342134
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